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How to Make Your Retirement Years More Comfortable?

Let us reveal a disturbing piece of information to you – in 2017, 9 million senior citizens were still earning to pay their bills. This means that their number has doubled since 2000.24% of the working people and alarmingly 21% of the retirees say that they have less than $1,000 saved for retirement.

The only way you can avoid being a part of an unfortunate statistic is to make the move now and start saving for the future. You must initiate by forming a retirement plan which will ensure that you have multiple modes of income to support your necessities and comforts during the final years of your life.

Save Consistently

As a rule of thumb, you must set aside 15% of your income every year along with whatever extra cash your employer sends your way. However, you need to increase this percentage if you’re already starting late. The best way to ensure this is to make the saving automatic and you can do so by enrolling in a 401(k) or any other workplace retirement plan.

Bypassing your own control over your money, you are actually getting rid of the biggest obstacle to saving. You are actually training yourself to live below your means so that you can reap the benefit in the long run.

Pay off All Debts on Time

Your primary concern should be to pay off all the debt as soon as you can, including your tuition fee and mortgage. Never wait for long to make one of the most splendid homes around the country yours.

The more you delay your debts or pile them up, the higher are the chances that you’ll tag them along during your retirement years too. Give yourself peace of mind and don’t complicate things for yourself, especially when you will not be earning enough or anything at all.

Look for a Suitable Retirement City

If you are retiring this year, the foremost thing to do is to look for the best cities to retire in 2019. Although you’re already late, you still might be able to do yourself a favor. The cost of living is directly dependent on the place you are living in.

If you choose to retire in a big metropolitan city, chances are that all your savings will exhaust in a few years. That is why always look for such a city which provides all the medical, social, and entertainment facilities but it doesn’t cost you an arm and leg to live there. You just don’t want to spend your lifelong savings on paying the bills.


By paying attention to this important aspect of your life on time, you can help yourself to survive through the difficult retirement days. Start planning now and let your post-retirement phase be a breeze for you.

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